All payments on The AI Creator Lab are processed by Stripe, Inc. via Stripe Checkout. Because our products are digital and delivered instantly, refund rules differ from physical goods. This Policy explains when refunds are available, how Stripe processes them, and how cancellations and chargebacks are handled. It is incorporated by reference into our Terms of Service.
1. How Stripe processes refunds
- Approved refunds are issued to the original payment method used at checkout. Stripe does not permit refunds to a different card, wallet, or bank account.
- Stripe releases the refund from our account immediately once approved. The funds typically appear on your statement within 5–10 business days, depending on your card issuer or bank. Some issuers take up to 14 days; we cannot accelerate that timeline.
- Stripe processing fees on the original transaction are not returned to us on refund. We absorb this cost; it does not reduce the amount you receive.
- For purchases made in a currency other than your card's billing currency, the refunded amount may differ slightly from the original charge due to Stripe's exchange rate at the time of refund. This is a Stripe/issuer mechanic and is outside our control.
- If the original card is closed, expired, or replaced, your issuer is responsible for routing the refund to the successor account. Contact your bank if the credit does not appear within 14 business days of our confirmation email.
2. Digital downloads (blueprints, guides, packets, ZIP archives)
You may request a refund within 14 days of purchase if all of the following are true:
- Our access logs show the download has been retrieved no more than two times via the signed download link.
- You provide a specific reason (e.g., defective file, materially not as described, wrong product delivered).
- You have not resold, republished, redistributed, or used the content to train an AI model.
Buyer's remorse alone is not a qualifying reason once the file has been downloaded. Approved refunds are issued through Stripe as described in Section 1.
3. Monthly memberships (recurring Stripe subscriptions)
Monthly plans are billed in advance through Stripe and are non-refundable once the billing period begins. You may cancel at any time from Account → Billing, which opens the Stripe Customer Portal. Cancellation stops future renewals; your access continues until the end of the current paid period (Stripe's cancel_at_period_end behavior), after which entitlements are automatically revoked. Partial-month refunds are not provided.
4. Annual memberships (recurring Stripe subscriptions)
Annual plans may be refunded on a pro-rated basis within the first 30 days of the initial term, minus the value of any benefits already used (discounts applied, AI-assistant quota consumed, exclusive events attended, affiliate boosts earned). After 30 days, annual plans are non-refundable but will remain active through the end of the paid term when canceled. Renewals are billed by Stripe on the anniversary of the initial charge unless canceled beforehand through the Customer Portal.
5. Failed payments and involuntary cancellation
If a renewal payment fails, Stripe's Smart Retries will attempt the charge again over roughly one week. During that period your subscription enters past_due status and you may receive dunning emails from Stripe. If all retries fail, the subscription transitions to canceled or unpaid and your access ends. No refund is owed for a period we could not collect payment for.
6. Live events and workshops
Refunds for paid live events are available up to 48 hours before the event start time. Within 48 hours, or after the event begins, tickets are non-refundable. If we cancel or reschedule an event, you will be offered a full refund (issued through Stripe) or a credit for a future event.
7. Marketplace purchases
Marketplace items are sold by independent third-party sellers. Refunds and returns are governed by the seller's stated policy on the listing. We will assist in mediating disputes but do not guarantee refunds for third-party sales. Auction bids that win are binding.
8. AI usage and consumables
Consumed AI-assistant messages, generated files, and other quota-based usage are non-refundable, including any usage above your tier's included quota.
9. How to request a refund or cancel
- To cancel a subscription: open Account → Billing and use the Stripe Customer Portal. Cancellation is effective immediately for future renewals; access continues to the end of the current period.
- To request a refund: email hello@aicreatorlab.com from the address on your order. Include your order ID (found on your Stripe receipt and on Account → Purchases) and the reason for the request.
- We will respond within 3 business days and, if approved, submit the refund to Stripe the same day. Stripe posts the credit to your original payment method within 5–10 business days.
10. Chargebacks and payment disputes
Please contact us first — most issues can be resolved directly and faster than the chargeback process. Filing a chargeback with your bank without contacting us may result in immediate suspension of your account and revocation of any granted entitlements. If you dispute a charge with your card issuer, Stripe will notify us and we may submit as evidence: your purchase record, order ID, IP address, Stripe customer ID, download access logs, entitlement grants, session metadata, and communications history. Chargebacks lost by us do not reverse the license revocation described above.
11. Statutory rights
Nothing in this Policy limits any non-waivable rights you have under consumer-protection law in your jurisdiction. EU/UK consumers: by starting the download of digital content or by accessing a live event before the 14-day withdrawal period ends, you expressly consent to immediate performance and acknowledge that you thereby waive your statutory right of withdrawal under Article 16(m) of the Consumer Rights Directive (Directive 2011/83/EU).
12. Changes
We may update this Policy. Changes apply to purchases made after the effective date and do not affect refund eligibility for prior purchases.
13. Contact
[BUSINESS LEGAL NAME], [BUSINESS ADDRESS] — hello@aicreatorlab.com
This document is a draft prepared for attorney review. It has not been reviewed by counsel and does not constitute legal advice.